• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Metrobank Credit card has an embedded chip to protect you from credit card fraud
  • Every ₱20.00 spent will earn you (1) rewards point
  • Shop at M here! partner establishments and get free gifts and discounts


  • Every time you spend ₱20.00 on your dining expenses lets you earn 1 rewards point
  • Beneficiaries of enrolled cardholders will get ₱1M cash benefit for death or disablement covered by ACCI SHIELD.





Other Features

  • Balance Transfer
    • 8.16% per annum for a lock-in tenure of 12 months.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants. Choose between the months of 3, 6, 9, 12, 18 and 24 months.
  • Metrobank Chip Card
    • Protect your credit card from fraud due to cloning with the Metrobank Chip embedded on your card.
  • Supplementary Cards
    • Receive up to 3 supplementary cards and help manage your family’s spending by assigning spend limits on each card.
  • SMS Balance Inquiry
    • Enjoy this convenient feature as you inquire for your credit card's balance with just a touch of your fingertips as you send a single text message.
  • Payment Facilities
    • Conveniently pay your credit card bills via Metrobank mobile banking, or through MetroPhone, or do it online via Metrobank direct and PSBank Remote Banking. You can also pay your bills at any Metrobank or PSBank branch, ATM or any Bancnet ATM.
  • ”DesignMyCard”
    • Use your favorite photo as you design and personalize your own credit card.

Card Information

Annual fee ₱1,500
Min. monthly income ₱15,000
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

14-80 years old

Fee for supplementary holder ₱800.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱600.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱600.00 or 3.00% of cash amount availed, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Limitless Possibilities

The Metrobank Classic credit card allows you to take advantage of the finest perks, up-to-date promos, and exclusive privileges around the Metro. This simple, no frills card entitles you to freebies together with a wide selection of discounts and deals available from 'M here! partner establishments. Aside from these benefits, you also add value to your spending as you earn 1 point for every ₱20.00 charged to your card. Accumulate points and use them to redeem special items and even air miles from Philippine Airlines, Cathay Pacific Airlines or Singapore Airlines.

Fees and Charges of Metrobank Classic Credit Card

First year annual membership fee is waived for both principal and supplementary cardholder. Afterwards, annual membership fee for Classic card is ₱1,500 and ₱800 for supplementary cardholder. The monthly interest charge is 3.5%. Late payment charge is ₱600 or 7.5% of the minimum amount due, whichever is higher.

Are you eligible for a Metrobank Classic / Gold Credit Card?

For Classic, to apply as a primary cardholder, you must have a minimum monthly income of ₱15,000. He/she should be at least 21 years old and above. The supplementary cardholder must be 14 to 80 years of age.

If you are still looking for other options, may we suggest taking a look at Security Bank Gold Credit Card and Standard Chartered Gold Credit Card, since these cards have similar features that you may find interesting.

Are these the features you're looking for? If not, you can also check out other Metrobank credit cards available on our site and find which one exactly matches your needs